Every FIRE calculator assumes you'll retire where you were born.
Yours won't.
IndepAI runs your numbers across 11,400+ livable cities and tells you exactly where and when independence arrives. Multi-currency, multi-tax, built for people whose life doesn't fit in one country.
- Fecha FI
- 2032Fecha FI
- vs. pares
- −7 yrsvs. pares
- ciudades
- 11,400+ciudades
"Finally an app that takes geo-arbitrage seriously instead of assuming I'll retire in my home country."
Early access tester · Portugal
🇪🇺EU-hosted · GDPR compliant · Your data stays yours
Cómo funciona IndepAI
Pruébalo: ¿dónde alcanzas antes la independencia?
Compara dos ciudades y mira cuántos años te devuelve la correcta.
Geo-Arbitrage Calculator
Compare cost of living between two cities and see your potential savings
¿Cuándo alcanzas la IF?
Tres números. Una respuesta al instante.
~22 años para la IF
Obtén tu proyección completa + hitos
¿Cuál es tu tipo de FIRE?
60 segundos. Sin registro para ver tu resultado.
What's Your FIRE Type?
Answer 5 quick questions to discover your ideal path to Financial Independence.
Spread the word
Help other digital nomads find their number.
Un número. Todo el juego.
FI Score, de 0 a 1000
Toda tu posición de independencia en un solo número. Mira cuánto te falta, velo moverse cuando cambias de ciudad y descubre exactamente cuándo llegas a la libertad. No «algún día», una fecha.
Motor de geoarbitraje
Compara ciudades de todo el mundo con la única palanca que ninguna otra calculadora mide: dónde vives. Datos reales de coste de vida, visados e infraestructura nómada te enseñan dónde el mismo dinero te devuelve años de tu calendario.
Un coach que ya hizo los números
Pregunta lo que quieras sobre tus finanzas y recibe respuestas directas y concretas de una IA que ya conoce tu FI Score, tus objetivos y las jugadas de geoarbitraje sobre la mesa.
Ciudades analizadas
Idiomas
Regímenes fiscales
Países
Echa un vistazo a los datos
Coste de vida real para más de 1.100 ciudades. Aquí tienes una muestra.
How the IndepAI FIRE calculator computes your FI Score
Your FI Score is a number out of 1,000, built from four weighted components. Here is what each one actually measures.
FI Progress
30%Compares your net worth to a target of 25 times your annual expenses, the same multiple most FIRE calculators use, on a curve that rewards early progress more than the last stretch.
Passive Income
30%Measures how much of your monthly expenses are already covered by dividends, rental income, or interest. Coverage caps out once it reaches 100%.
Savings Rate
20%Tracks the share of your income left after expenses. The score scales up to a 50% savings rate, then holds steady.
Geo Efficiency
20%Compares your cost of living to a global reference cost, so living somewhere cheaper than the median raises your score.
The four scores combine into your FI Score and a projected FI date. Move to a cheaper city or raise your savings rate, and both numbers move with you.
Frequently asked questions about financial independence and geo-arbitrage
What is FIRE? ▾
FIRE stands for Financial Independence, Retire Early. It means building enough invested assets that your passive income covers your living expenses, so continuing to work becomes optional rather than required.
How does geo-arbitrage change my FI date? ▾
Moving to a lower cost-of-living country stretches the same income further. Lower expenses mean a lower FI number and a higher savings rate, and both pull your FI date closer.
Where does the city cost data come from? ▾
City cost-of-living figures come from Numbeo's crowdsourced database, layered onto our own dataset of 11,400+ cities and refreshed on an ongoing basis.
Is IndepAI free? ▾
Yes. Your FI Score, city comparisons, and core tracking are free. A paid Pro tier adds deeper tax modeling and the AI coach, and waitlist members get 50% off Pro for life.
When does IndepAI launch? ▾
We have not set a public launch date yet. Waitlist members get access first, about two weeks before the public rollout, along with a founding-member discount.
What happens to my data? ▾
We collect only what is needed to calculate your FI Score and hold your waitlist spot. You can unsubscribe at any time.
Reserva tu sitio. Sé el primero en conocer tu número.
Los miembros de la lista de espera obtienen acceso 2 semanas antes del lanzamiento público y un descuento vitalicio del 50% como miembros fundadores.
Sin spam. Un solo email cuando lancemos. Date de baja con un clic.